{"uin":"IRDAN108CP0015V02201819","name":"Business Guard - Commercial Policy Package (Small Business Solutions)","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-04-13","withdrawn_on":null,"summary":"Business Guard is a commercial package policy with optional sections covering fire perils, burglary, money, public liability, consequential loss, employee fidelity, plate glass, electronic equipment, personal accident, machinery breakdown, all-risk portable equipment, neon sign, travel baggage, and boiler and pressure plant. Claims must generally be notified forthwith and submitted within 30 days, while some sections specify shorter deadlines.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:29:40.67078+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe optional sections and covers, but do not state named plan variants inside the product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy period is defined by the commencement and expiry dates in the Policy Schedule; no fixed term length is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For loss or damage, notice must be given forthwith and a written claim delivered within 30 days after the loss or damage. Section-specific deadlines include 24 hours for Money Insurance, 7 days for Employee Fidelity, 14 days for Electronic Equipment, Machinery Breakdown and Personal Accident, and Fourteen days for Boiler and Pressure Plant.","display":"Forthwith notice; claim within 30 days. Some sections require 24 hours, 7 days or 14 days.","note":"Deadlines vary by section; the 30-day written claim requirement is in the general conditions.","quote":"On the happening of any loss or damage the Insured shall forthwith give notice thereof to The Company and shall within 30 days after the loss or damage ... within 24 hours of the happening of any event giving rise to or likely to give rise to any Claim under this Section give written notice to the Company ... within 7 days; ... no notice has been received by the Company within 14 days of its occurrence ... no notice and completed claim form have been received by The Company within Fourteen days of its occurrence ... Intimation about an event or occurrence that may give rise to a claim under this Policy must be given within 14 days of it’s happening.","sources":[{"clause":"3(f)","heading":null,"page":119,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-f-2"},{"clause":"3.2(c)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-2-c"},{"clause":"7(iii)","heading":null,"page":70,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-7-iii"},{"clause":"3(e)","heading":null,"page":75,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-e"},{"clause":"10(d)","heading":null,"page":95,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-10-d"},{"clause":"12(i)","heading":"Notice of Claim/Loss","page":88,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-12-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["A claim in writing for the loss or damage","Particulars of all other Insurances, if any","further particulars","plans","specification books","vouchers","invoices","duplicates or copies thereof","documents","investigation reports (internal/external)","proofs and information"],"display":"Written claim, other insurance particulars, and supporting particulars, plans, specification books, vouchers, invoices, documents, investigation reports, proofs and information.","note":"Section-specific claim documents may also be requested depending on the cover and loss.","quote":"A claim in writing for the loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items or property damaged or destroyed, and of the amount of the loss or damage thereto respectively. ... Particulars of all other Insurances, if any ... all such further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/external), proofs and information","sources":[{"clause":"3(f)","heading":null,"page":119,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-f-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For Personal Accident claims, admitted claims are paid within 30 days of submission of all necessary documents/information and any other additional information required for settlement. The general package conditions do not print a settlement time for other sections.","display":"Personal Accident: within 30 days of all necessary documents/information.","note":"This timing is stated under Section IX - Personal Accident.","quote":"We shall make the payment of claim that has been admitted as payable by Us under the Policy terms and conditions within 30 days of submission of all necessary documents/information and any other additional information required for the settlement of the claim.","sources":[{"clause":"12(f)","heading":null,"page":89,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-12-f-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Tata AIG through the 24*7 customer support number, email, written address, or the servicing branch. If unresolved, write to manager.customersupport@tataaig.com and then to head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Contact customer support/branch first; then manager.customersupport@tataaig.com; then head.customerservices@tataaig.com.","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to contact us through below channels:\n• Call us 24*7 Customer Support No.: 022 6489 8282 ... • Email us at customersupport@tataaig.com ... • Visit the Servicing Branch mentioned in the Policy document. ... you can write to manager.customersupport@tataaig.com ... you can write to the Head Customer Services at head.customerservices@tataaig.com.","sources":[{"clause":"4(b)","heading":null,"page":127,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-4-b-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Lightning","Explosion/Implosion","Aircraft Damage","Riot, Strike and Malicious Damage","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation","Impact Damage","Subsidence and Landslide including Rock Slide","Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","Missile Testing operations","Leakage from Automatic Sprinkler Installations","Bush Fire","Burglary/Housebreaking or Hold-Up","Money in Safe","Money in Transit","Money at Till / Counter","Public Liability","Consequential Loss (Fire)","Employee Fidelity","Plate Glass","Electronic Equipment","Personal Accident","Machinery Breakdown","All Risk","Neon Sign","Travel Baggage","Boiler and Pressure Plant Insurance"],"display":"Fire and allied perils, burglary, money, public liability, consequential loss, employee fidelity, plate glass, electronic equipment, personal accident, machinery breakdown, all risk, neon sign, travel baggage and boiler/pressure plant, if opted.","note":"Most sections state that they apply only if opted by the insured and shown in the Policy Schedule.","quote":"(Applicable only if opted by you and shown on the Schedule). Coverages Applicable to Section I A - Standard Fire and Special Perils:\nPerils Specified: ... Fire ... Lightning. ... Explosion/Implosion ... Aircraft Damage ... Riot, Strike and Malicious Damage ... Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation ... Impact Damage ... Subsidence and Landslide including Rock Slide ... Bursting and/or overflowing of Water Tanks, Apparatus and Pipes. ... Missile Testing operations. ... Leakage from Automatic Sprinkler Installations ... Bush Fire ... Loss or damage to the Contents caused by Burglary/Housebreaking or Hold-Up; ... 1. Money in Safe ... 2. Money in Transit ... 3. Money at Till / Counter ... Section IV Public Liability ... Section V Consequential Loss (Fire) ... Section VI Employee Fidelity ... Section VII Plate Glass ... Section VIII Electronic Equipment ... Section IX Personal Accident ... Section X Machinery Breakdown ... Section XI All Risk ... Section XII Neon Sign ... Section XIII Travel Baggage ... Section XIV Boiler and Pressure Plant Insurance","sources":[{"clause":"Section I","heading":"A - Standard Fire and Special Perils","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-i"},{"clause":"1","heading":"Fire","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-1-2"},{"clause":"2","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-2-3"},{"clause":"3","heading":"Explosion/Implosion","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-2"},{"clause":"4","heading":"Aircraft Damage","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-4-2"},{"clause":"5","heading":"Riot, Strike and Malicious Damage","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-5-2"},{"clause":"6","heading":"Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-6-2"},{"clause":"7","heading":"Impact Damage","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-7-2"},{"clause":"8","heading":"Subsidence and Landslide including Rock Slide","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-8-2"},{"clause":"9","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-9-2"},{"clause":"10","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-10-2"},{"clause":"11","heading":"Leakage from Automatic Sprinkler Installations","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-11-2"},{"clause":"12","heading":"Bush Fire","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-12-2"},{"clause":"1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-1-4"},{"clause":"Section III","heading":"Money Insurance | 39","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-iii"},{"clause":"Section IV","heading":"Public Liability | 42","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-iv"},{"clause":"Section V","heading":"Consequential Loss (Fire) | 51","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-v"},{"clause":"Section VI","heading":"Employee Fidelity | 69","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-vi"},{"clause":"Section VII","heading":"Plate Glass | 71","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-vii"},{"clause":"Section VIII","heading":"Electronic Equipment | 72","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-viii"},{"clause":"Section IX","heading":"Personal Accident | 84","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-ix"},{"clause":"Section X","heading":"Machinery Breakdown | 90","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-x"},{"clause":"Section XI","heading":"All Risk | 104","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-xi"},{"clause":"Section XII","heading":"Neon Sign | 2","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-xii"},{"clause":"Section XIII","heading":"Travel Baggage | 109","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-xiii"},{"clause":"Section XIV","heading":"Boiler and Pressure Plant Insurance | 110","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-xiv"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording states that the excess/deductible is as stated in the Policy Schedule, but the provided documents do not print the base policy amount. Optional terrorism endorsements print separate excesses.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the insured terminates the policy, the company refunds premium at customary short-period rates: 90% up to 15 days, 85% up to 1 month, 70% up to 2 months, 60% up to 3 months, 50% up to 4 months, 40% up to 5 months, 30% up to 6 months, 25% up to 7 months, 20% up to 8 months, 15% up to 9 months, and no refund after 9 months.","display":"Short-period refund: 90% up to 15 days, reducing to 15% up to 9 months; no refund after 9 months.","note":null,"quote":"This Insurance may be terminated at any time at the request of the Insured, in which case The Company will refund the Premium at customary short period rate as per below table for the time the Policy has been in force.\nPeriod (Not Exceeding) | Premium Refund ... 15 Days | 90% of the Annual Rate ... 1 Month | 85% of the Annual Rate ... 2 Months | 70% of the Annual Rate ... 3 Months | 60% of the Annual Rate ... 4 Months | 50% of the Annual Rate ... 5 Months | 40% of the Annual Rate ... 6 Months | 30% of the Annual Rate ... 7 Months | 25% of the Annual Rate ... 8 Months | 20% of the Annual Rate ... 9 Months | 15% of the Annual Rate ... Exceeding 9 Months | No Refund","sources":[{"clause":"3(e)","heading":null,"page":119,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-e-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Territory varies by section. Public Liability indemnifies claims anywhere in India, Personal Accident coverage is worldwide, All Risk is anywhere in India unless otherwise specified in the Policy Schedule, and Travel means a business trip worldwide.","display":"Varies by section: India for Public Liability and All Risk, worldwide for Personal Accident and Travel.","note":"Other property sections generally refer to insured premises or locations shown in the Policy Schedule.","quote":"the Company will indemnify the Insured against their legal liability to pay compensation including Claimant’s costs, fees, and expenses anywhere in India, in accordance with Indian Law. ... Territorial Limit: The coverage is worldwide. ... The Territorial limits will be anywhere in India unless otherwise specified in Policy Schedule however all claims shall be settled in India in Indian currency. ... Travel shall mean any business trip worldwide undertaken in connection with official purpose","sources":[{"clause":"Section IV","heading":"Public Liability","page":42,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-iv-2"},{"clause":"9(iii)","heading":null,"page":86,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-9-iii"},{"clause":"2","heading":null,"page":104,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-2-13"},{"clause":"2","heading":"Travel","page":109,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-2-15"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The package covers insured property relating to the business, depending on the section and schedule. Examples include plant and machinery, furniture, fixtures and fittings, other contents, stocks, building, electronic equipment, money, plate glass, neon signs, baggage, and boilers/pressure plant.","display":"Business property such as building, plant and machinery, furniture, fixtures and fittings, other contents, stocks and section-specific property.","note":"Actual covered property depends on the sections opted and items shown in the Policy Schedule.","quote":"It provides insurance cover for physical loss or damage to, or destruction of, Insured Property relating to your business. ... For Plant and Machinery, Furniture, Fixture and Fittings and any other Contents:\nReinstatement/Replacement Value.\nii) For Stocks: ... The Sum Insured for the Building Cover is the prevailing Cost of Construction of Building at the Commencement Date ... Any loss of Money belonging to the Business of the Insured ... Plate Glass shall mean completely and securely fixed glass within the Insured Premises ... Neon Sign means advertising display, Hoardings, Glow Signs, Neon Signs, LED signs, LCD signs, any digital signs","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/16964#c-s1"},{"clause":"8","heading":"Basis of Sum Insured","page":37,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-8-4"},{"clause":"Row 1(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-row-1-a-5"},{"clause":"1.1","heading":null,"page":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-1-1"},{"clause":"1","heading":null,"page":71,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-1-9"},{"clause":"Section XII","heading":"Neon Sign","page":107,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-xii-2"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Consequential Loss (Fire) is an optional section. If property used for the business is damaged by perils covered under Section I - Fire and the business is interrupted or interfered with, the company pays the loss resulting from that interruption or interference, subject to the schedule and section terms.","display":"Covered under optional Consequential Loss (Fire) for interruption or interference with business after covered fire-section damage.","note":"The section requires the corresponding Section I - Fire cover to be in force and payment made or liability admitted under it, except for losses below a specified amount.","quote":"(Applicable only if opted by you and shown on the schedule). We agree ... that if any building or other property or any part thereof used by the Insured at the Premises for the purpose of the Business, be destroyed or damaged by the perils covered under Coverage Section I - Fire ... and the Business carried on by the Insured at the Premises be in consequence thereof interrupted or interfered with, then The Company will pay to the Insured ... the amount of loss resulting from such interruption or interference","sources":[{"clause":"Section V","heading":"Consequential Loss (Fire)","page":51,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-section-v-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis varies by cover. Plant and machinery, furniture, fixtures and fittings and other contents are on Reinstatement/Replacement Value; stocks are valued by landed cost, input cost, manufacturing cost or contract price; bullion, curios, works of art or obsolete machinery are on agreed value if accepted; building cover uses prevailing Cost of Construction; electronic equipment uses replacement cost including freight, dues/customs duties and erection costs.","display":"Varies: reinstatement/replacement value for plant, machinery and contents; stock cost basis; agreed value for specified valuables; cost of construction for building; replacement cost for electronic equipment.","note":"The policy schedule sets the actual sums insured and any selected first-loss or section-specific basis.","quote":"For Plant and Machinery, Furniture, Fixture and Fittings and any other Contents:\nReinstatement/Replacement Value.\nii) For Stocks:\na) For raw material: Landed cost at Your Premises.\nb) For stock in process: Input cost of the stock at the time of loss.\nc) For finished stock: The manufacturing cost of the finished stock. ... Bullion or unset precious stones, any curios or works of art or obsolete machinery and the like shall be covered on Agreed Value basis ... The Sum Insured for the Building Cover is the prevailing Cost of Construction of Building at the Commencement Date ... the Sum Insured shall be equal to the cost of Replacement of the insured property by new property of the same kind and same capacity","sources":[{"clause":"8","heading":"Basis of Sum Insured","page":37,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-8-4"},{"clause":"Row 1(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-row-1-a-5"},{"clause":"3(j)","heading":null,"page":76,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-3-j"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the insured property value is greater than the sum insured at the time of loss, the insured is treated as their own insurer for the difference and bears a rateable proportion of the loss. Underinsurance does not apply to the Co-operative Housing Society - Griha Raksha section.","display":"Average applies: claims are reduced rateably if value exceeds sum insured; waived for Co-operative Housing Society - Griha Raksha.","note":"Similar underinsurance provisions are repeated in several section-specific conditions.","quote":"If the property hereby Insured shall at the breaking out of any fire or at the commencement of any destruction of or damage to the property by any other peril hereby Insured against be collectively of greater value than the Sum Insured thereon, then the Insured shall be considered as being his own Insurer for the difference and shall bear a ratable proportion of the loss accordingly. ... Underinsurance does not apply to the Co-operative Housing Society - Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":"12(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-12-c"},{"clause":"8(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146#c-8-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Business Guard - Commercial Policy Package (Small Business Solutions)","pages":132,"fetched_at":"2026-10-17 20:22:24+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_commercial_policy_package.pdf_8fa85ddbef.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/17146"},{"kind":"wording","label":"Business Guard -Commercial Policy Package(Small Business Solutions) (IRDAI copy)","pages":45,"fetched_at":"2026-10-20 00:26:35+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108RP0001V02100001_GEN4413.pdf/376bd8da-c400-68b8-9020-c241ff3c8aa3?version=1.1&t=1668878425564&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/23516"},{"kind":"prospectus","label":"Business Guard - Commercial Policy Package (Small Business Solutions)","pages":14,"fetched_at":"2026-10-17 20:11:16+00","source_url":"https://www.tataaig.com/s3/commercial_policy_package_sbs_retail_ps_5ec6827997.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/16964"},{"kind":"brochure","label":"Business Guard -Commercial Policy Package(Small Business Solutions)","pages":2,"fetched_at":"2026-10-17 20:08:04+00","source_url":"https://www.tataaig.com/s3/Brochures_business_Guard_commercial_Package_Policy_f1619bfbd6.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819/document/16867"}],"versions":[{"uin":"IRDAN108RP0001V02100001","version":null,"approved_on":null},{"uin":"IRDAN108P0001V01100001","version":null,"approved_on":null},{"uin":"IRDAN108CP0015V02201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Business Guard - Commercial Policy Package (Small Business Solutions) (UIN IRDAN108CP0015V02201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/business-guard-commercial-policy-package-small-business-solutions-irdan108cp0015v02201819"}